Question 1

What is Raiffeisenbank Kalbe-Bismark?

Accepted Answer

Raiffeisenbank Kalbe-Bismark is a cooperative bank (Genossenschaftsbank) based in Kalbe (Milde), Saxony-Anhalt, Germany. As a member of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, it serves as a universal bank providing comprehensive financial services to retail customers and small- and medium-sized enterprises in the Altmark region.

The bank operates in the eastern part of the Altmarkkreis Salzwedel and western part of the Landkreis Stendal. It is member-owned through a cooperative structure, reflecting the democratic principles established by Friedrich Wilhelm Raiffeisen.

Question 2

When was Raiffeisenbank Kalbe-Bismark founded?

Accepted Answer

Raiffeisenbank Kalbe-Bismark was originally founded on October 29, 1927, as Spar- und Darlehenskasse Calbe (Milde) eGmbH by ten farmers. The founding motto was "Keiner für sich allein, jeder für alle" (Not one for himself alone, everyone for all).

The bank evolved through numerous mergers and transformations. By 1946, operating as Raiffeisenkasse Calbe (Milde), it had 205 members. Between 1946 and 1951, it merged with agricultural cooperatives including the Saatgutreinigungsgenossenschaft and Altmärkische Kornhäuser.

After German reunification in 1990, the bank was re-established as Raiffeisenbank und Handelsgenossenschaft e.G. Kalbe (Milde), with the trading operations spun off that same year. On January 1, 1991, it merged with Raiffeisenbank Bismark eG to form the current Raiffeisenbank Kalbe-Bismark eG.

Question 3

Where is Raiffeisenbank Kalbe-Bismark headquartered?

Accepted Answer

Raiffeisenbank Kalbe-Bismark is headquartered at Eugenie-Schildt-Straße 2, 39624 Kalbe (Milde), Saxony-Anhalt, Germany.

Question 4

Where does Raiffeisenbank Kalbe-Bismark operate?

Accepted Answer

The bank operates in the Altmark region of Saxony-Anhalt, specifically in the eastern Altmarkkreis Salzwedel and western Landkreis Stendal. It maintains staffed branches in two locations: its main office in Kalbe (Milde) and a branch in Bismark (Altmark).

The service area includes surrounding rural communities such as Vahrholz, Altmersleben, and Butterhorst. This region is characterized by agricultural land and small towns in northern Saxony-Anhalt.

Question 5

What services does Raiffeisenbank Kalbe-Bismark offer?

Accepted Answer

Raiffeisenbank Kalbe-Bismark provides universal banking services including current accounts, savings accounts (including Gewinnsparen lottery savings), time deposits, and payment cards (including GoldCard credit cards). The bank offers consumer loans through easyCredit, car loans, mortgage financing, and Bausparen (building society savings).

For businesses, the bank delivers commercial banking services, business accounts, and SME lending. Investment services include securities trading, wealth management, and fund savings plans through Union Investment.

Digital services include online banking, mobile applications, and online appointment scheduling. Through the cooperative banking network, customers access insurance products (R+V Versicherung), building society services (Bausparkasse Schwäbisch Hall), leasing (VR Smart Finanz), and specialized mortgage financing (DZ Hyp, Münchener Hypothekenbank). The bank also offers precious metals trading and travel booking services.

Question 6

What makes Raiffeisenbank Kalbe-Bismark unique?

Accepted Answer

As the oldest bank in Kalbe (Milde), the institution has served the community since 1927, providing continuity through dramatic historical changes including World War II, the GDR period, and reunification. Its cooperative heritage emphasizes mutual support and local economic development.

The bank participates in both the mandatory BVR Institutssicherung GmbH protection scheme and the additional voluntary protection scheme of the Federal Association of German Volksbanken and Raiffeisenbanken, providing enhanced deposit security.

Customer reviews highlight strong regional engagement, with 96% recommending the bank and 83% describing it as regionally committed. Extended consultation hours by appointment (Monday through Friday, 8:00-20:00) demonstrate flexibility in serving rural communities.

Question 7

What type of financial institution is Raiffeisenbank Kalbe-Bismark?

Accepted Answer

Raiffeisenbank Kalbe-Bismark is a Genossenschaftsbank (cooperative bank), organized as an eingetragene Genossenschaft (eG) under German cooperative law. Cooperative banks are member-owned institutions governed democratically through a general assembly (Generalversammlung).

As a Kreditinstitut (credit institution) offering universal banking services, it is supervised by BaFin (German Federal Financial Supervisory Authority). The bank is registered in the cooperative register at the Amtsgericht Stendal under GnR 10, with legal foundations in the Genossenschaftsgesetz (Cooperative Act) and its own statutes.

Raiffeisenbank Kalbe-Bismark

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About Raiffeisenbank Kalbe-Bismark in Germany

Raiffe­isenba­nk Kalbe-­Bismark